Where are you going to be traveling to this summer? Some people are hesitant about staying in a hotel, for fear of coming in contact with bedbugs. Hotels across the country spend thousands on trying to remove these pests. Finally, a company has created bedbug insurance, to help with those costs. Bedbugs are nasty little creatures. They can get into your suitcases when you spend the night at a hotel, and end up coming home with you. Once this happens, it can be very difficult to get rid of bedbugs. A person must be extremely tenacious in order to finally … Continue reading →

The Trick-or-Treater’s will be knocking on your door tomorrow night! It’s your responsibility as the homeowner and insurance policy owner, to prevent losses. Halloween is a huge liability exposure. By decorating, turning your porch light on, and handing out treats homeowners invite some of the most common, and most expensive liability claims. To make it simple, any injury that any person might suffer while their feet are on you property can be considered your liability. Take a few moments and consider these important issue before inviting the neighborhood to knock on your front door: If you trip over the garden-hose … Continue reading →

Each year thousands of people in the United States die when their car plunges into rivers, lakes and other bodies of water. It only has to happen to me one time, and that would be more then I would want to ever have to face. I live in a city with two rivers, I go back and forth over them all the time, sometimes everyday. I don’t ever want to find out what would happen if my car landed in the river but I sure would like to remember what I should do if it actually did happen to me. … Continue reading →

The landscape around a home or structure is a constantly changing and a very dynamic system. Even those plants which are considered fire resistant and have a lower fuel volume need to be maintained and cared for so they won’t lose their fire safe qualities. One of the most important maintenance steps is to first understand the growth habits of the plants you have on your property. Learn about the changes the plants have during the seasons and when maintenance is most needed to reduce the fuel volume in the area. Remove any dead growth on bushes, plants and trees. … Continue reading →

One thing some people forget is that the first step in managing personal risk is personal responsibility. Homeowners have important obligations to protect their assets and reduce the risk where possible. Every homeowner has the responsibility of planning additions and landscape with the natural risks in mind, and maintaining the home and property in a way to reduce the exposure to losses. When Considering Additions to your home or property keep these facts in mind: If a new deck or patio is planned consider using concrete, bricks or rock rather then wood. Concrete, rock, gravel, brick and stone don’t burn. … Continue reading →